I like the overall UI look and style. There are a few aspects that I would really appreciate and would have convinced me to prefer using this app over others. First of all, one can only see the accu... See more
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The interface is quite user-friendly and not difficult to use. However, a major drawback is the lack of instant money transfers when sending funds out of the bank.
Easy and convenient to use with a modern design. Offers free purchases of many popular PRIME ETFs from €250 onwards, even without a subscription.
Great website for simple investing, especially ETFs. Everything is simple and intuitive enough that one can start immediately and feeling comfortable. Both the website and the app seem quite secure.... See more
Company details
Written by the company
Scalable Capital is a leading bank that empowers people in Europe to shape their own finances. Scalable Capital makes it easy and affordable for clients to invest professionally in stocks, ETFs, cryptocurrencies, and derivatives and set up savings plans. Attractive interest, loans, and private equity complement the range of products and services. With the European Investor Exchange, Scalable Capital offers an exchange specifically for retail investors. More than one million clients already have a total of more than €40 billion on the platform. Founded in 2014, Scalable Capital now employs over 700 people across Munich, Berlin, Vienna, Milan, and London. Together with the founding and management team led by Erik Podzuweit and Florian Prucker, Scalable Capital is building the next generation of financial services. Further information at: www.scalable.capital.
About Scalable Capital
Written by the company
- Personalised & Diversified
- We provide personalised, globally-diversified ETF-portfolios designed to create long-term wealth.
- Cost-Efficient.
- To do this, we select the best and most cost-efficient Exchange Traded Funds (ETFs).
- Your Risk Under Control.
- We monitor and manage your portfolio continuously with our proprietary risk management technology.
Contact info
München & Berlin & London, Germany
- service@scalable.capital
- scalable.capital
4.0
Great
6K reviews
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Very perfect 👌
Very perfect 👌, I am not professional but for me Very easy use
2 April 2026
Unprompted review
Reply from Scalable Capital
Hello Lesia,
thank you for sharing your experience! We hope you continue to be satisfied with our product.
Kind regards,
Eva from Scalable Capital
Only for Germans
My account opening request was rejected, the reason was not specified but no doubts it's based on the nationality. It doesn't matter if you're permanent resident of Germany or not, Ausländer ist Ausländer.
FYI: all requirements in the response were satisfied.
30 March 2026
Unprompted review
Reply from Scalable Capital
Hello Anton,
thank you very much for your feedback! We’re sorry if you’ve encountered any issues. The following requirements apply for opening a Scalable Brokerage account:
- You must be at least 18 years old.
- You are not subject to U.S. taxation (not a “U.S. person” under U.S. tax law).
- You have a checking account held at a financial institution located within the SEPA area.
- There are no restrictions on the freedom to provide services. This means you have the right to request foreign services in your country of residence.
- You have a phone number from a country within the European Economic Area
Identification can be performed via the online ID function (eID) using your German ID card, electronic residence permit (eAT), or eID card for citizens of the European Union (EU) and the European Economic Area (EEA).
If all criteria are met and it still does not work, please contact our customer service.
Kind regards,
Nina from Scalable Capital
RUBBISH!!!
Have you ever hear about the Munich exchange? No, normal because it doesn't exist, but it is what this scamy platform is using!!! You belive fees are low, check how the spread is going to ruin every single of your position! STAY AWAY
21 March 2026
Unprompted review
Reply from Scalable Capital
Hello Angelo,
thank you for your feedback. We are happy to clarify: Gettex is a regulated segment of the Bayerische Börse AG (Munich Stock Exchange). If you prefer other venues, you can also trade via Xetra or the European Investor Exchange (EEX) directly in our app.
Kind regards,
Eva from Scalable Capital
Refused to open an account without providing a reason
After waiting for almost a week to have my new account verified, I received an email from their support saying that they decided not to open it for me without providing any reason whatsoever.
I have a Russian passport, but I've been a legal resident of Germany for almost five years with a permanent residence as of last year. Yet that wasn't enough for them apparently.
I haven't had any similar issues with any other financial institutions here before, so I can only assume that this is due to my Russian citizenship and nothing else.
A real shame as I was really excited to finally try out investing and chose SC after countless recommendations and positive reviews I had seen online.
I guess I'll have to go with a different platform.
19 March 2026
Unprompted review
Interest downgrade
The recent move of interest into an 'Overnight Account' - meaning extra work for customers if we want to receive the interest (also for our kids) - comes with little explanation as to why the service needs to be degraded like this. Or have I missed the explanation?
17 March 2026
Unprompted review
Reply from Scalable Capital
Hello,
thank you for your review. We’re sorry to hear that you’re not satisfied with the changes. With the new overnight accounts, customers benefit not only from better interest rates but also from monthly interest payments. Another advantage is the clear separation of investment and savings funds through the separate money market account. If you still have questions about this topic, feel free to check back here: https://de.scalable.capital/en/overnight-account
Kind regards,
Eva from Scalable Capital
Great platform to invest my extra money…
Great platform to invest my extra money in the market.
giving great options in ETF, Stock and even for Crypto.
I find the charges per transaction for crypto a bit concerning though. It isnt consant and is quite high as well.
5 March 2025
Unprompted review
Reply from Scalable Capital
Hello Yash,
thank you for your review. Good to hear that you like our offer. We are sorry if you are not satisfied with the fees overview. Please find all information here again: https://de.scalable.capital/en/trading-costs.
Kind regards,
Eva from Scalable Capital
The app is easy and very good to trade
The app is easy and very good to trade. Also great to get 2% return on cash. Still some improvements to make the app suitable buy stocks for any amount instead of full shares.
28 February 2026
Unprompted review
Reply from Scalable Capital
Hello,
thank you very much for your review! We are happy that you are generally satisfied with our product. We will to take your request into account and pass it on to our team.
Kind regards,
Eva from Scalable Capital
Registration buggy and impossible
I tried 4 times to register today, but I could not because I was not able to choose any job, since the dropdown was bugging. I tried 3 times with 3 different browsers on my PC and 1 time at my phone. It never worked. THe dropdown to choose the job was not showing and I was not allowed to continue without it. I tried my registeration via the affiliate programm of the YouTuber Finanzbaer. I think you should fix this issue ASAP. Never had a finance platform before, that was so buggy that you could not even register. No good first impression...
3 March 2026
Unprompted review
Reply from Scalable Capital
Hello Andreas,
We are sorry if you are experiencing any problems. If the problems still persist, please contact our customer service via +49 89 380 380 67 or service@scalable.capital.
Kind regards,
Eva from Scalable Capital
Onboarding process has been tedious to…
Onboarding process has been tedious to say the least. Scalable cancelled my account without prior notice or reasons. Communication is lacking by far, only to receive notification that my documents were not sufficient due to the address lacking as proof on the invoice (which is NOT the case). Sadly tried to open account, twice, and both cases accounts were cancelled. Guess I have to go to the competitor...
23 February 2026
Unprompted review
Reply from Scalable Capital
Hello,
thank you for your feedback. We regret that you had an unsatisfactory experience. If you still have an unresolved issue, please send us an email to community@scalable.capital so that we can pass it on internally.
Kind regards,
Eva from Scalable Capital
Reply from Scalable Capital
Hello Yadvendra,
thank you for your review. We are sorry if you have had an unsatisfactory experience. We will take your feedback into account and are continuously developing our processes to further speed up these procedures.
Kind regards,
Eva from Scalable Capital
Ok for adults, a disaster for child accounts
For me it has worked, but for my kids ir is a disaster, the process does not work
14 February 2026
Unprompted review
Reply from Scalable Capital
Hello Endika,
thank you for your feedback. We are sorry if you are experiencing any problems. If you have any questions or problems, you can contact our customer service team at any time.
Kind regards,
Eva from Scalable Capital
Worst Customer experience and Interface ever
Customer experience is really bad. Although the people are very friendly, it takes too long time to solve simple issues or they can not solve them at all..
Interface also is terrible. Its like interacting with an application like 10years before..
12 February 2026
Unprompted review
Reply from Scalable Capital
Hello Petros,
thank you for your feedback. We're sorry if you had unsatisfactory experiences with our customer service. Due to an increased volume, there may unfortunately be delays in processing inquiries at the moment. We are continuously developing our processes and expanding our customer service team. Alongside that, we're sorry to hear that you're not satisfied with our product. You can send your wishes to our customer service team at any time or send us a direct message on one of our social media profiles.
Kind regards
Eva from Scalable Capital
Reply from Scalable Capital
Hello Mehedi,
thank you for your review. We're sorry to hear that you are not fully satisfied with our offer. We will take your feedback into account.
Kind regards,
Eva from Scalable Capital
User friendly solution with plenty of…
User friendly solution with plenty of data and great offers
2 February 2026
Unprompted review
Reply from Scalable Capital
Hello,
thank you for your feedback. We are pleased that you like our offer!
Kind regards,
Eva from Scalable Capital
Scalable has several advantages over…
Scalable has several advantages over the market leader TradeRepublic - brandnew automatic re-invest of dividends and a working help desk are the highlights.
Saclable has various execution days for savings plans, the limit is the meanwhile marketwide 1€. It's a shame you´re limited to one execution day per share and the shortest execution period is one month – weekly or even on every of the execution days would be so much better for me using the cost average. And that would certainly be easy to implement - TradeRepublik has weekly at least :-), not to mention zero, smartbroker+, trading 212, lightyear...
The variety of meanwhile over 4500 differnt shares for saving plans is really becoming good and has the huge advantage, that scalable is not limited to Eix - if L+S is delisting a share in TradeRepublik you´re lost at least with your fractionals, here you still find another exchange to exit if you have to.
The many availible shares are good alternative against the big bunch of ETFs full of big-caps - I was surprized to find the maximum saving plans availible is limited to 250. Surely the limit is made to keep performance up - which is mostly good on the site. But I wished sclable would have sub-depots - to easier divide my trading and my long term positions - and to have the limit several times :-)
One more advantge of Scalable is the interst you´re getting on your current account on EZB-rate - this way you get interest on money blocked by limited share buy orders - this one offered only by TradeRepublik, others as xtb offer lower rates or can´t do it at all.
Sure, for many comfort things you expect at full banks (statistics, cards for annual meetings) you better still have an online bank as Consors or comdirect - but the basic stuff is availible here at Scalable - and becomes improved permanently it seems - it´s sad I have not find a way to invest in scalable itself :-)
6 February 2026
Unprompted review
Reply from Scalable Capital
Hello Marie,
thank you very much for taking the time to leave us this positive and detailed review. We really appreciate the feedback and are pleased that you like our product. We are happy to take your requests regarding our savings plan offering and sub-accounts into consideration and always strive to incorporate feedback from our customers into our further development. You can currently already sort your portfolio using portfolio groups or the watch list. Please find all the relevant information in our help center: https://help.scalable.capital/en
Kind regards,
Eva from Scalable Capital
So far reliable and well functioning
So far I didn’t have issues with scalable capital, so there’s nothing to complain about.
And it looks like they are improving all the time. The app is actually really nice and easy to use.
Big advantage for me is the fact that they finally got their banking license
2 February 2026
Unprompted review
Reply from Scalable Capital
Hello Tetiana, thank you for taking the time to leave us this positive review. We really appreciate the feedback and are pleased that you like our offer. Kind regards, Eva from Scalable Capital
Polished app with 2fa
2fa is great, app looks polished, some features like seeing distributions or paying out money I always need to look twice.
1 February 2026
Unprompted review
Reply from Scalable Capital
Hi Kevin, thank you for your review. We are pleased that you like our product! We will gladly take your feedback into account and pass it on to our team. Kind regards, Eva from Scalable Capital
Easy to use
Easy to use. I’ve been using Scalable Capital for almost a year now. Much recommended.
23 January 2026
Unprompted review
Reply from Scalable Capital
Hello Aida,
thank you for sharing your experience! We hope you continue to be satisfied with our product.
Kind regards,
Lasse from Scalable Capital
We need more etfs. Some etf are not available. More detailed ratios needed.
We needed more detailed ratios, averages, details about etfs. Stocks included in an etf it's percentage. Commodities section is required. 5 year balance sheet, income statement, flowchart required.
1 January 2026
Unprompted review
Reply from Scalable Capital
Hello, thank you for your review and suggestion. Our team is constantly working on optimisations and is always happy to receive feedback that can be incorporated into the further development of the product. You are also welcome to send us specific ETF requests on scalable.capital/kontakt or via direct message on one of our social media profiles. Kind regards, Eva from Scalable Capital
Reply from Scalable Capital
Hello Tim,
thank you for your feedback. We are always working to further improve our product and whenever possible we refer to the feedback from our customers when developing it further. You are also welcome to send us detailed feedback and questions on scalable.capital/kontakt.
Kind regards,
Eva from Scalable Capital
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